Personal Checking

Personal Checking

Summary of Overdraft Fees and Overdraft Options

Overdraft and Insufficient Funds Fees

Overdraft Fee
$35
Per transaction paid into overdraft
Insufficient Funds Fee
$35
Per transaction returned for insufficient funds
Maximum Number of Overdraft or Insufficient Funds Fee Per Day
6
The maximum number of paid and/or returned items for which these fees will be charged is six paid and/or returned items per day.
Minimum Amount Required to Trigger an Overdraft Fee
$5
We do not charge the $35 Overdraft Fee for any item which overdraws your account by $5 or less.

Overdraft Services

You do not have to have Overdraft Service — you can choose not to have this service at any time by calling (800) 848-1088, notifying us in writing at Westamerica Bank, Direct Data Entry, B-2X, P.O. Box 1200, Suisun City, CA 94585-1200 or visiting one of our branches.

No Overdraft Service
If you choose not to have any kind of overdraft service, we will not authorize and pay overdrafts.If you choose not to have any kind of overdraft service, we will not authorize any pay overdrafts. If you have insufficient available funds in your account, the following happens if you have No Overdraft Service:

ATM and everyday debit card transactions that would cause an overdraft will be declined at no cost to you.

Your checks, ACH transactions (including automatic bill payments) and other transactions made using your checking account number will be returned rather than paid and your account will be charged an Insufficient Funds Fee for each of these transactions that are returned up to the daily maximum.
Standard Overdraft Service
You are enrolled in Standard Overdraft Service at account opening. Depending on the type of transaction, we may pay overdrafts.If you have insufficient funds in your account, the following happens if you have Standard Overdraft Service:

Your checks, ACH transactions (including automatic bill payments) and other transactions made using your account number that would cause an overdraft may be paid and your account will be charged an Overdraft Fee for each of these transaction types that are paid into overdraft up to the daily maximum.

ATM and everyday debit card transactions that would cause an overdraft will be declined at the time of transaction at no cost to you.1
Expanded Overdraft Service
You may choose to have our overdraft service apply to ATM and everyday debit card transactions.2

ATM and everyday debit card transactions that would cause an overdraft may be authorized and paid and your account will be charged an Overdraft Fee.

Your checks, ACH transactions (including automatic bill payments) and other transactions made using your checking account number that would cause an overdraft may be paid and your account will be charged an Overdraft Fee.

Overdraft Protection

Linked Overdraft Protection
You may choose to link another deposit account or credit line to your checking account. Funds will be automatically transferred to protect your checking account from overdrafts or transactions being declined.

There is a $12 fee per transfer.
Extra Cash Overdraft Protection
Extra Cash Overdraft Protection is a revolving overdraft credit line with a fixed interest rate designed to provide overdraft coverage for your checking account. There is a $25 annual fee and a $12 fee per transfer.

1 Infrequently, exceptions to this may arise and transactions may be approved or paid into overdraft even if you have asked us not to, but you will not be charged an Overdraft Fee for these exceptions.

2 Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transactions.

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